IMPORTANT! THESE TERMS OF SERVICE (TOS) GOVERN YOUR USE OF THIS SITE,
WHICH IS PROVIDED BY DR. KEITH SCOTT-MUMBY AND ASSOCIATES. BY ACCESSING THIS SITE, YOU ARE INDICATING
YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF THESE TERMS OF USE. THESE TERMS
OF USE ARE SUBJECT TO CHANGE BY KEITH SCOTT-MUMBY AT ANY TIME IN HIS DISCRETION.
YOUR USE OF THIS SITE AFTER SUCH CHANGES ARE IMPLEMENTED
CONSTITUTES YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF THE CHANGES. PLEASE
CONSULT THESE TERMS OF USE REGULARLY.

Access To This Site

YOU MUST BE EIGHTEEN (18) YEARS OR OLDER TO ACCESS THIS WEB SITE. IF
YOU ARE UNDER EIGHTEEN YEARS OF AGE, YOU ARE NOT PERMITTED TO ACCESS
THIS WEB SITE FOR ANY REASON. DUE TO THE AGE RESTRICTIONS FOR USE OF
THIS WEB SITE, NO INFORMATION OBTAINED BY THIS WEB SITE, FALLS WITHIN
THE CHILD ONLINE PRIVACY ACT (COPA) AND IS NOT MONITORED AS DOING SO.

To access this site or some of the resources it has to offer, you may
be asked to provide certain registration details or other information.
It is a condition of your use of this site that all the information you
provide on this site will be correct, current, and complete. If Keith Scott-Mumby
believes the information you provide is not correct, current, or complete,
he has the right to refuse you access to this site or any of its resources,
and to terminate or suspend your access at any time, without notice.

Restrictions On Use

You may use this site for purposes expressly permitted by this site.
You may not use this site for any other purpose, including any commercial
purpose, without Keith Scott-Mumby's express prior written consent. For example,
you may not (and may not authorize any other party to) (i) co-brand this
site, or (ii) frame this site, or (iii) hyper-link to this site, without
the express prior written permission of Keith Scott-Mumby or an authorized representative
of his. For purposes of these Terms of Use, "co-branding" means
to display a name, logo, trademark, or other means of attribution or
identification of any party in such a manner as is reasonably likely
to give a user the impression that such other party has the right to
display, publish, or distribute this site or content accessible within
this site. You agree to cooperate with Keith Scott-Mumby in causing any unauthorized
co-branding, framing or hyper-linking immediately to cease.

Proprietary Information

The material and content (hereinafter referred to as the "Content")
accessible from this site, and any other World Wide Web site owned, operated,
licensed, or controlled by Keith Scott-Mumby is the proprietary information
of Keith Scott-Mumby or the party that provided the Content to Keith Scott-Mumby,
and Keith Scott-Mumby or the party that provided the Content retains all right, title, and interest in the Content.

Accordingly, the
Content may not be copied, distributed, republished, uploaded, posted,
or transmitted in any way without the prior written consent of Keith Scott-Mumby,
or unless authorized in writing elsewhere on his sites, except that you
may print out a copy of the Content solely for your personal use. In
doing so, you may not remove or alter, or cause to be removed or altered,
any copyright, trademark, trade name, service mark, or any other proprietary
notice or legend appearing on any of the Content. Modification or use
of the Content except as expressly provided in these Terms of Use violates
Keith Scott-Mumby's intellectual property rights. Neither title nor intellectual
property rights are transferred to you by access to this site.

Hyper-Links

This site may be hyper-linked to other sites which are not maintained
by, or related to, Keith Scott-Mumby. Hyper-links to such sites are provided
as a service to users and are not sponsored by or affiliated with Keith Scott-Mumby or his sites. Keith Scott-Mumby has not reviewed any or all of such
sites and is not responsible for the content of those sites. Hyper-links
are to be accessed at the user's own risk, and Keith Scott-Mumby makes no representations
or warranties about the content, completeness or accuracy of these hyper-links
or the sites hyper-linked to this site. Further, the inclusion of any
hyper-link to a third-party site does not necessarily imply endorsement
by Keith Scott-Mumby of that site.

Submissions

You hereby grant to Keith Scott-Mumby the royalty-free, perpetual, irrevocable,
worldwide, non-exclusive right and license to use, reproduce, modify,
adapt, publish, translate, create derivative works from, distribute,
perform, and display all content, remarks, suggestions, ideas, graphics,
or other information communicated to Keith Scott-Mumby through this site (together,
hereinafter known as the "Submission"), and to incorporate
any Submission in other works in any form, media, or technology now known
or later developed. Keith Scott-Mumby will not be required to treat any Submission
as confidential, and may use any Submission in his business (including
without limitation, for products or advertising) without incurring any
liability for royalties or any other consideration of any kind, and will
not incur any liability as a result of any similarities that may appear
in Keith Scott-Mumby's future operations.

Keith Scott-Mumby will treat any personal information that you submit through
this site in accordance with its Privacy Policy as set forth on this
site.

Disclaimer

You understand that Keith Scott-Mumby cannot and does not guarantee or warrant
that files available for downloading from the Internet will be free of
viruses, worms, Trojan horses or other code that may manifest contaminating
or destructive properties. You are responsible for implementing sufficient
procedures and checkpoints to satisfy your particular requirements for
accuracy of data input and output, and for maintaining a means external
to this site for the reconstruction of any lost data. Keith Scott-Mumby does
not assume any responsibility or risk for your use of the Internet.

The Content is not necessarily complete and up-to-date and should not
be used to replace any written reports, statements, or notices provided
by Keith Scott-Mumby. Investors, borrowers, and other persons should use the Content
in the same manner as any other educational medium and should not rely
on the Content to the exclusion of their own professional judgment. Information
obtained by using this site is not exhaustive and does not cover all
issues, topics, or facts that may be relevant to your goals.

YOUR USE OF THIS SITE IS AT YOUR OWN RISK. The Content is provided “as
is” and without warranties of any kind, either expressed or implied.
Keith Scott-Mumby disclaims all warranties, including any implied warranties
of merchantability, fitness for a particular purpose, TITLE, OR NON-INFRINGEMENT.
Keith Scott-Mumby does not warrant that the functions OR CONTENT contained
in this site will be uninterrupted or error-free, that defects will be
corrected, or that this site or the server that makes it available are
free of viruses or other harmful components. Keith Scott-Mumby does not warrant
or make any representation regarding use, or the result of use, of the
content in terms of accuracy, reliability, or otherwise. The content
may include technical inaccuracies or typographical errors, and Keith Scott-Mumby
may make changes or improvements at any time. You, and not Keith Scott-Mumby,
assume the entire cost of all necessary servicing, repair or correction
IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS SITE
OR ITS CONTENT. KEITH SCOTT-MUMBY MAKES NO WARRANTIES THAT YOUR USE OF THE
CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUMES NO LIABILITY
OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.

All of the information in this site, whether historical in nature or
forward-looking, speaks only as of the date the information is posted
on this site, and Keith Scott-Mumby does not undertake any obligation to update
such information after it is posted or to remove such information from
this site if it is not, or is no longer, accurate or complete.

Limitation On Liability

KEITH SCOTT-MUMBY , HIS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS,
CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS WILL NOT
BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL,
SPECIAL, EXEMPLARY, OR OTHER DAMAGES, INCLUDING LOSS OF REVENUE OR INCOME,
PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, EVEN IF KEITH SCOTT-MUMBY
HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL
THE COLLECTIVE LIABILITY OF KEITH SCOTT-MUMBY AND HIS ASSOCAITES, AFFILIATES,
LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS,
AND DIRECTORS, TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER
IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT
YOU HAVE PAID TO KEITH SCOTT-MUMBY FOR THE APPLICABLE CONTENT, PRODUCT OR SERVICE
OUT OF WHICH LIABILITY AROSE.

Indemnity

You will indemnify and hold Keith Scott-Mumby, his assocaites, affiliates, licensors,
content providers, service providers, employees, agents, officers, directors,
and contractors (hereinafter known as the "Indemnified Parties")
harmless from any breach of these Terms of Use by you, including any
use of Content other than as expressly authorized in these Terms of Use.
You agree that the Indemnified Parties will have no liability in connection
with any such breach or unauthorized use, and you agree to indemnify
any and all resulting loss, damages, judgments, awards, costs, expenses,
and attorney's fees of the Indemnified Parties in connection therewith.
You will also indemnify and hold the Indemnified Parties harmless from
and against any claims brought by third parties arising out of your use
of the information accessed from this site.

Trademarks

Trademarks, service marks, and logos appearing in this site are the
property of Keith Scott-Mumby or the party that provided the trademarks, service
marks, and logos to Keith Scott-Mumby. Keith Scott-Mumby and any party that provided trademarks,
service marks, and logos to Keith Scott-Mumby retain all rights with respect to
any of their respective trademarks, service marks, and logos appearing
in this site.

Information You Provide

You may not post, send, submit, publish, or transmit in connection with
this site any material that:

• you do not have the right to post, including proprietary material
of any third party;

• advocates illegal activity or discusses an intent to commit an
illegal act;

• seeks to exploit or harm children by exposing them to inappropriate
content, asking for personally identifiable details or otherwise;

• infringes any intellectual property or other right of any entity
or person, including violating anyone’s copyrights or trademarks
or their rights of publicity;

• violates any law or may be considered to violate any law;

• impersonates or misrepresents your connection to any other entity
or person or otherwise manipulates headers or identifiers to disguise
the origin of the content;

• advertises any commercial endeavor (e.g., offering for sale products
or services) or otherwise engages in any commercial activity (e.g., conducting
raffles or contests, displaying sponsorship banners, and/or soliciting
goods or services) except as may be specifically authorized on this site;

• solicits funds, advertisers or sponsors;

• includes programs which contain viruses, worms and/or Trojan
horses or any other computer code, files or programs designed to interrupt,
destroy or limit the functionality of any computer software or hardware
or telecommunications;

• disrupts the normal flow of dialogue, causes a screen to scroll
faster than other users are able to type, or otherwise act in a way which
affects the ability of other people to engage in real time activities
via this site;

• includes MP3 format files;

• amounts to a 'pyramid' or similar scheme;

• disobeys any policy or regulations established from time to time
regarding use of this site or any networks connected to this site; or

• contains hyper-links to other sites that contain content that
falls within the descriptions set forth above.

Although under no obligation to do so, Keith Scott-Mumby reserves the right
to monitor use of this site to determine compliance with these Terms
of Use, as well the right to remove or refuse any information for any
reason. Notwithstanding these rights, you remain solely responsible for
the content of your submissions. You acknowledge and agree that neither
Keith Scott-Mumby nor any third party that provides Content to Keith Scott-Mumby will assume
or have any liability for any action or inaction by Keith Scott-Mumby or such third
party with respect to any submission.

Security

Any passwords used for this site are for individual use only. You will
be responsible for the security of your password (if any). Keith Scott-Mumby will
be entitled to monitor your password and, at its discretion, require
you to change it. If you use a password that Keith Scott-Mumby considers insecure,
Keith Scott-Mumby will be entitled to require the password to be changed and/or
terminate your account.

You are prohibited from using any services or facilities provided in
connection with this site to compromise security or tamper with system
resources and/or accounts. The use or distribution of tools designed
for compromising security (e.g., password guessing programs, cracking
tools or network probing tools) is strictly prohibited. If you become
involved in any violation of system security, Keith Scott-Mumby reserves the right
to release your details to system administrators at other sites in order
to assist them in resolving security incidents. Keith Scott-Mumby reserves the
right to investigate suspected violations of these Terms of Use.

Keith Scott-Mumby reserves the right to fully cooperate with any law enforcement
authorities or court order requesting or directing Keith Scott-Mumby to disclose
the identity of anyone posting any e-mail messages, or publishing or
otherwise making available any materials that are believed to violate
these Terms of Use.

BY ACCEPTING THIS AGREEMENT YOU WAIVE AND HOLD HARMLESS KEITH SCOTT-MUMBY FROM
ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY KEITH SCOTT-MUMBY DURING OR AS A
RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE
OF INVESTIGATIONS BY EITHER KEITH SCOTT-MUMBY OR LAW ENFORCEMENT AUTHORITIES.

Miscellaneous

These Terms of Use will be governed and interpreted pursuant to the
laws of California, United States of America, notwithstanding any principles
of conflicts of law. You specifically consent to personal jurisdiction
in California in connection with any dispute between you and Keith Scott-Mumby
arising out of these Terms of Use or pertaining to the subject matter
hereof. The parties to these Terms of Use each agree that the exclusive
venue for any dispute between the parties arising out of these Terms
of Use or pertaining to the subject matter of these Terms of Use will
be in the state and federal courts in California. If any part of these
Terms of Use is unlawful, void or unenforceable, that part will be deemed
severable and will not affect the validity and enforceability of any
remaining provisions. These Terms of Use constitute the entire agreement
among the parties relating to this subject matter. Notwithstanding the
foregoing, any additional terms and conditions on this site will govern
the items to which they pertain. Keith Scott-Mumby may revise these Terms of Use
at any time by updating this posting.